Buyers get spooked easily, plus every year the process gets more complicated with financing, appraisal and inspection issues (which can vary from lender to lender) that could be easily overcome threatening to crash deals without someone experienced in there herding all the "cats" (lol- elements) in the deal to a successful close of escrow.Also most of those comps you are seeing-maybe even all of them- have had a commission and some fees paid by the seller, and the appraisors are aware of that.I hope your home sale goes smoothly.

Jack - Elements of seller financing that I think would be interesting to call out/explain are:- Payment structure (length and rate) to seller.- Tax Benefits of receiving installments instead of a lump sum payment.- Legal Options for the seller if the buyer does not make payments.- Visual/Explanation of how the loan looks on the HUD-1 at closing.Good Luck!

Some other reviews claim that in fact they didn't get all the answers for their $1495.00 training and that USTLA was trying to high pressure sell them on a elite package between 25-33K, in order to get those answers. 

The only element I'd reconsider is the 5-year pre-payment penalty.

Go on up to TOOLS at the top of the page and click Lease Agreement Packages.

Secondly, I think your better off trying to push for a larger concession package (Free Rent, Tenant Improvement Allowance) than you are trying to beat them up on their rent.

In light of the one ethnicity element, i sincerely advise that wherever and whoever it is, without question, know the community you are serving and understand how to establish and maintain a level of mutual respect.

Quote from @Alicia Zhao: The BP package includes a Lease Extension form.

The identical rates of change suggest that, although rents drifted downward, landlords have avoided increasing the relative value of incentives packages used to attract and retain lessees.

Other risk-reducing factors—if the note is collateralized or includes features that reduce the element of investment risk, the note is less likely to be deemed a security.ericperkinslaw.com/when-does-a-private-business-loan-transaction-trigger-securities-lawsv/